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Home Performance with ENERGY STAR

Savings Category 
Solar Water Heat
Solar Photovoltaics
Equipment Insulation
Water Heaters
Heat Pumps
Air conditioners
Programmable Thermostats
Duct/Air sealing
Building Insulation
Custom/Others pending approval
Other EE
LED Lighting
Program Info
Sector Name 
New York State Energy Research and Development Authority (NYSERDA)
Funding Source 

Energy Efficiency Portfolio Standard (EEPS)/Regional Greenhouse Gas Initiative (RGGI)

New York
Program Type 
Loan Program
NYSERDA offers 10% discount and additional low-interest financing options to NY State homeowners to improve the energy efficiency of their homes.


NY State residents who own single-family or multifamily homes with up to 4 units are eligible for the program. To participate on the On-Bill financing program, the homeowner must be customer of the following participating utilities: Central Hudson, Con Edison, PSEG-Long Island, National Grid (upstate customers only, New York State Electric and Gas, Orange and Rockland, or Rochester Gas and Electric.

Program Description:

To participate in the program, the homeowner must schedule a home energy assessment with the participating Home Performance contractor who has been certified as a BPI GoldStar Contractor. In most cases the customer will be eligible for a reduced or no-cost energy home assessment depending on their income level. The energy assessment takes a comprehensive approach to identifying maximum energy efficiency that can be achieved in the home. After the assessment, the contractor will work with the home-owner to decide what improvements should be made. After signing the contract with the contractor, the borrower will receive 10% of the discount on eligible energy improvements; the incentive is capped at $3,000.

Home-owner can also choose to finance the project through subsidized loan provided through NYSERDA. The financing options include: On-Bill Recovery Loan and Smart Energy Loan. The On-Bill recovery loan is provided at 3.49% interest rate, where the repayments can be paid through the utility bill. The Smart Energy loan is provided at 3.49% or 3.99% depending on the method of repayment. Loans amounts from $1,500 up to $25,000 with a term of 5, 10, or 15 years.

Participants in the financing programs remain eligible for other incentives offered by utilities or by NYSERDA, including  and the NYSERDA Assisted Home Performance with ENERGY STAR. For further information on this program, please consult the program website(s) or use the contact information provided below.